Insurance during a claim

[Slipperywang]

Someone crashed into my parked car and was nice enough to leave a note! Unfortunately they were not nice enough to pay to get the car fixed properly. I ended up having to call the police to get his insurance details of him, as suddenly he claimed that it wasn't him who hit my car after all, even though he left a note with his number saying he did hit my car.

I went to my insurance company with his insurance details and they deemed my car a write off and i will be getting paid out soon minus the excess. I have chased up my insurance company multiple times and they say that it could take months for his insurers to reply to the allegations. I have been left without a car for the last month also which is annoying. I asked my insurance for a hire car but they said i'm not entitled to one as its a write off. I have been commuting on my motorbike which will have to stop when the weather gets really bad, 40 mile a day commute on motorways.

Problem is now, that my insurance runs out on the start of January and if it takes months for my insurance company to claim of the third party and get my excess back i wont be able to get insured, as i have to put 0 NCB and an unsettled claim of X amount. Comparison sites are coming back with £2.5k offers and £1.5k excess which is insane considering it will be a sub £3k car. Anything i can do to help my situation ? Feels like i'm getting punished for some nobber crashing into my parked car